5 Ways To Save On Auto Insurance
Are you paying too much for auto insurance? No one wants to pay more than they have to! That’s why it’s important to know what savings and discounts are available. Here are a few things to discuss with your agent at your next review.
Is Your Driving Record Accurate?
Tickets, accidents, and claims will raise your rates! That’s why it’s important to make sure your motor vehicle report is accurate. Ask your agent if anything showed on your record and make sure that the information is correct. Not only may the affect your insurance rates but you never know if someone is fraudulently using your identity.
Take A Defensive Driving Class
Have you taken a defensive driving course in the past? Let us know. You may qualify for additional discounts!
Don’t forget about driver’s ed classes for your teenagers too. Just get a copy of the completion certificate for your records. Many of these discounts apply for several years and give substantial savings.
Increase Your Deductibles
The deductible is the amount you pay out of pocket after an accident (or for hail damage, etc.)
The higher that out-of-pocket amount, the lower your monthly premium!
So if you are currently carrying $100 or $250 deductibles, consider raising them to $500 and keeping a little extra in your savings account. You could save a lot each month while still being protected from any major damage. We can give you prices for a range of deductibles to help you decide.
Find The Best Payment Options
Depending on your individual policy, we may be able to offer various discounts for paying your policy premium in full or putting it on a monthly bank draft.
While $2-6 a month in services charges might not seem like much, over time it really adds up! Ask us about payment options for your policy and see where you can save.
Keep Your Insurance In One Place
And one of the largest, and most overlooked, savings opportunities is to have multiple polices with one company!
If you carry homeowners or renters insurance with a different company, let us quote it! Many times our clients will save several hundred dollars per year just by having their policies in one place. It’s a no-brainer!
And remember, getting these savings isn’t difficult. In fact, with one short phone call we can review your policy, look for discount opportunities, and discover your coverage. Give us a call today to get started!
Amber Zamudio is a licensed insurance agent at Zamudio Insurance Services, LLC in Wheat Ridge, CO. Contact her today for a no-obligation quote on your personal and commercial insurance at 720.569.7557.